Manager – Risk Modelling

2 months ago

Uncha Samana, India WNS Full time
Experience 8+ years consumer credit/retail portfolio and collection management, data analyst, and modeling experience5+ years of experience in account servicing, collection, policies to manage portfolio3+ years of experience in data modeling/decision sciencePrincipal Duties and Responsibilities Consumer lending Portfolio Management – developing, & implementing Collection Strategy, Pricing Analytics for retail point of sale business Data management skills - ability to write/ analyze complex and efficient queries in SQL, in depth knowledge of python/R/SAS (data science) to pull and analyze dataUtilize advanced statistical techniques (CHAID, cluster analysis, regression, etc.) & software such as Python, SQL to develop credit segmentation, predictive models and/or strategies to support business decisionsAdept in interacting and collaborating with business partners like Operations, Servicing team to drive the goal lower lossesUse Quantitative analysis to evaluate customer lifetime value, pricing sensitivity, ROI/IRR, unit profitability.Analyzing complex & unstructured data and building statistical model & scorecard, both machine learning and logistic model to be used in credit underwriting, collection, portfolio analytics, etc.In depth knowledge of Credit P&L;

build robust roll rate,vintage & portfolio loss forecast modelGood understanding of Collection Operations like capacity planning, best time to call, and managing collection vendors and collectorsExperience in Loan Servicing platform/software (Nortridge Loan System) and dialer system (Genesys Cloud)Skillful in Power BI Reporting, producing & understanding metrics like roll rate, cure rate, right-party-contact, promise-to-pay, delinquency bucket/aging, etc...Experience and Education Preferred Bachelor’s/master’s degree in related field (Finance, Accounting, Math, Engineering or Business Degree) 8+ years consumer credit/retail portfolio and collection management, data analyst, and modeling experience5+ years of experience in account servicing, collection, policies to manage portfolio 3+ years of experience in data modeling/decision scienceIn depth knowledge of building, and implementing machine learning, and logistic models scorecardExperience extracting and manipulating data using multiple database technologies such as Microsoft SQL Server, SAS, etc.Proficiency with statistical software such as Python, SAS, R, SPSS, STATA, etc. Pricing and Collection strategies - Significant experience in building A/B Testing, Pricing and digital initiatives, deploying in production for businessProven experience of completing projects demanding timelines and high visibilityAdept in producing Reports & MIS suiting the needs of Business, Partners, Investors, ExecutivesExtraordinary presentation and communication skillsExperience in financial services, credit risk management, banking regulations like FDCPA, SCRA, FCRA, TILA, etcRequired Skills, Abilities, Soft Skill FactorsMotivation Skills - History of achieving aggressive goals and objectives, conveying sense of urgency while moving beyond challenges and obstaclesThinking and Administrative Skills - Solid analytical and problem-solving skills. Ability to analyze trends and suggest solutions to challenges. Brings new ways to looking at tough challenges Achieve Successful Results – Takes the initiative to get things done. Producing insightful Reports/MIS for the Business leading to analytical projectsDemonstrates Adaptability – Works effectively in the faces of stress, ambiguity, difficult situations and shifting priorities. Adept in working and understanding through the data in absence of structured informationInnovates – Challenges the status quo thinking to generate new ideas;

takes open minded approach to situationsCommunication Skills - Refined written and verbal communication skills. Ability to foster open communications, listen effectively and adjust communication content and style to meet the needs of diverse stakeholdersTechnological Competence – Knowledge of Python, SQL, SAS, Tableau, and R as well as their corresponding predictive techniques to improve the organization’s decision-making criteria

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